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As you may be aware, Anthem Inc. was recently the target of a cyber-attack. You may be wondering what CSE Credit Union and you can do to safeguard your personal information.

CSE is dedicated to protecting our members’ accounts and will continue to carefully verify anyone accessing an account either in person or on the phone. We do not solely use the types of information stolen at Anthem to identify you (social security number, dates of birth, address, etc). You must always provide your CSE member number and when in person a valid photo ID.

To protect your account, we encourage you to:

1) Enroll in and use CSe-banking to monitor your day-to-day finances.

2) Check your account statements carefully. Review all transactions and verify all purchases. Notify us immediately if you believe there is unusual activity.

4) Review your credit report periodically. Federal law allows you to get a free copy every 12 months from each of the three nationwide credit bureaus. Visit www.annualcreditreport.com or call 1-877-322-8228. Accounts on your credit report that you don’t recognize could indicate identify theft.

5) Watch for phishing scams. These are e-mails designed to look like they are from Anthem that attempt to get you to click on a link, download a file or enter login credentials. These emails are NOT from Anthem. If you receive this type of email,

DO NOT click on any links in email.

DO NOT reply to the email or reach out to the senders in any way.

DO NOT supply any information on the website that may open, if you have clicked on a link in email.

DO NOT open any attachments that arrive with email.

As always, contact any of our offices if you believe there is any type of suspicious activity on your CSE account.

If you are a parent whose child plays games on a smartphone or other electronic device, you should be aware that these games can result in high charges on your credit card. The culprit: in-app purchases. An in-app purchase is a purchase made from within an on-line game for additional features, upgrades and other add-ons. The app might be free to download, but it might be far from free to play it. Sometimes these apps have clear warnings that you need to spend additional money, but sometimes they do not. All it often takes is a tap of a button for a child to make all the charges they want. And if your credit card is already linked to your mobile device, as it usually is, your account will be charged and you will be liable for the purchases...

In our Winter 2013 newsletter, we reported the discontinuation of our Life Savings and Loan Protection Insurance effective December 31, 2014. This change is the result of our insurance provider, CMFG Life Insurance Company, canceling the program for all credit unions in the United States.

This cancelation does not affect our insurance through the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the United States government. Your deposits here at CSE Credit Union remain insured up to $250,000 through NCUA.

Since reporting this news, we have worked diligently to find a replacement for both types of coverage. Fortunately, we have been successful in retaining Loan Protection Insurance for our borrowing members. This coverage, which offers up to $10,000 in loan protection, will continue to be offered to credit union members at no direct member cost.

Life Savings Insurance up to $2,000 will not be retained and therefore coverage on existing insurable deposits will end on December 31, 2014. However, you can individually convert your Life Savings coverage to a guaranteed issue Primary Protection Plan, underwritten by CMFG Life Insurance Company. For more information about conversion, call 855-728-5205 and speak with a CMFG insurance representative.